Axos Financial (AX) Financials

$70.57 +0.34 (+0.48%)

Closing price 05/29/2025 03:59 PM Eastern

Extended Trading

$70.64 +0.07 (+0.10%)

As of 05/29/2025 04:07 PM Eastern

Annual Income Statements for Axos Financial

This table shows Axos Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	6/30/2024	6/30/2023	6/30/2022	6/30/2021	6/30/2020	6/30/2019	6/30/2018	6/30/2017	6/30/2016	6/30/2015
Net Income / (Loss) Attributable to Common Shareholders	450	307	241	216	183	155	152	134	119	82
Consolidated Net Income / (Loss)	450	307	241	216	183	155	152	135	119	83
Net Income / (Loss) Continuing Operations	450	307	241	216	183	155	152	135	119	83
Total Pre-Tax Income	635	432	340	306	263	213	240	233	205	141
Total Revenue	1,184	904	721	644	581	491	439	381	327	230
Net Interest Income / (Expense)	961	783	607	539	478	409	368	313	261	199
Total Interest Income	1,656	1,157	660	618	623	565	475	387	318	244
Loans and Leases Interest Income	1,500	1,049	627	584	583	525	447	359	291	220
Investment Securities Interest Income	156	108	33	33	40	40	28	28	27	24
Total Interest Expense	694	374	53	79	145	156	107	74	57	45
Deposits Interest Expense	671	339	34	61	127	117	80	56	43	35
Long-Term Debt Interest Expense	2.21	3.67	1.12	1.50	0.68	0.75	0.00	0.00	-	-
Federal Funds Purchased and Securities Sold Interest Expense	3.09	13	4.63	4.67	12	33	23	12	11	8.91
Other Interest Expense	18	18	13	12	5.65	5.62	3.88	5.16	2.85	1.78
Total Non-Interest Income	223	120	113	105	103	83	71	68	66	31
Other Service Charges	99	92	84	105	96	77	65	61	50	27
Net Realized & Unrealized Capital Gains on Investments	92	0.00	0.00	-	6.87	6.05	5.56	7.19	16	3.78
Investment Banking Income	31	28	29	0.00	0.00	-	-	-	-	-
Provision for Credit Losses	33	24	24	24	42	27	26	11	9.70	11
Total Non-Interest Expense	516	448	357	315	276	251	174	138	113	77
Salaries and Employee Benefits	251	204	167	153	144	127	101	82	67	44
Net Occupancy & Equipment Expense	86	76	64	54	43	33	23	19	15	9.72
Marketing Expense	43	37	14	14	15	15	16	9.37	6.87	6.06
Other Operating Expenses	109	107	87	69	50	60	25	21	20	15
Depreciation Expense	27	23	25	24	24	16	8.57	6.09	4.80	3.27
Income Tax Expense	185	125	99	90	79	58	87	98	86	58
Basic Earnings per Share	$7.82	$5.15	$4.04	$3.64	$3.01	$2.50	$2.41	$2.11	$1.87	$1.35
Weighted Average Basic Shares Outstanding	56.89M	59.98M	59.97M	59.36M	59.51M	61.24M	63.06M	63.36M	62.91M	59.94M
Diluted Earnings per Share	$7.66	$5.07	$3.97	$3.56	$2.98	$2.48	$2.37	$2.10	$1.87	$1.34
Weighted Average Diluted Shares Outstanding	56.89M	59.98M	59.97M	59.36M	59.51M	61.24M	63.06M	63.36M	62.91M	59.94M
Weighted Average Basic & Diluted Shares Outstanding	56.89M	59.98M	59.97M	59.36M	59.51M	61.24M	63.06M	63.36M	62.91M	59.94M

This table shows Axos Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	105	105	112	105	111	152	83	87	80	82	58
Consolidated Net Income / (Loss)	105	105	112	105	111	152	83	87	80	82	58
Net Income / (Loss) Continuing Operations	105	105	112	105	111	152	83	87	80	82	58
Total Pre-Tax Income	148	150	159	144	156	217	118	117	115	117	83
Total Revenue	309	308	321	291	295	353	246	236	231	228	208
Net Interest Income / (Expense)	275	280	292	260	262	229	211	204	199	200	180
Total Interest Income	433	456	484	453	444	395	364	346	307	280	224
Loans and Leases Interest Income	395	411	438	409	405	358	327	305	280	256	208
Investment Securities Interest Income	38	45	46	44	38	37	37	41	27	24	15
Total Interest Expense	157	176	192	193	182	166	153	143	108	80	43
Deposits Interest Expense	153	171	187	188	177	160	146	137	98	71	33
Long-Term Debt Interest Expense	0.33	0.48	0.54	0.38	0.38	1.01	0.45	0.36	1.31	1.07	0.94
Federal Funds Purchased and Securities Sold Interest Expense	0.31	0.51	0.53	1.29	0.74	0.53	0.53	0.52	4.45	2.50	5.16
Other Interest Expense	3.93	4.12	3.88	4.15	4.11	4.34	5.71	4.61	4.15	4.76	4.70
Total Non-Interest Income	33	28	29	31	33	124	35	33	32	28	27
Other Service Charges	25	20	21	23	25	24	26	25	25	21	20
Net Realized & Unrealized Capital Gains on Investments	0.00	0.00	-	-	0.00	92	-	-	0.00	0.00	-
Investment Banking Income	8.12	7.98	7.95	7.65	8.11	7.36	8.22	7.50	6.88	6.98	6.96
Provision for Credit Losses	15	12	14	6.00	6.00	14	7.00	7.00	5.50	3.00	8.75
Total Non-Interest Expense	146	145	147	141	133	122	121	112	111	108	116
Salaries and Employee Benefits	75	74	74	69	67	59	56	55	53	50	47
Net Occupancy & Equipment Expense	26	24	23	21	22	22	20	20	20	18	18
Marketing Expense	11	11	14	12	10	9.79	10	8.10	12	11	6.37
Other Operating Expenses	27	30	28	31	26	24	29	24	21	23	39
Depreciation Expense	6.85	7.03	7.45	7.50	7.22	6.49	5.88	5.67	5.67	5.96	6.09
Income Tax Expense	43	46	47	40	45	66	36	30	35	36	24
Basic Earnings per Share	$1.84	$1.83	$1.97	$1.83	$1.94	$2.65	$1.40	$1.48	$1.33	$1.36	$0.98
Weighted Average Basic Shares Outstanding	56.37M	57.10M	57.09M	56.89M	56.97M	56.90M	57.73M	59.98M	59.11M	60.00M	60.00M
Diluted Earnings per Share	$1.81	$1.80	$1.93	$1.75	$1.91	$2.62	$1.38	$1.43	$1.32	$1.35	$0.97
Weighted Average Diluted Shares Outstanding	56.37M	57.10M	57.09M	56.89M	56.97M	56.90M	57.73M	59.98M	59.11M	60.00M	60.00M
Weighted Average Basic & Diluted Shares Outstanding	56.37M	57.10M	57.09M	56.89M	56.97M	56.90M	57.73M	59.98M	59.11M	60.00M	60.00M

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	6/30/2024	6/30/2023	6/30/2022	6/30/2021	6/30/2020	6/30/2019	6/30/2018	6/30/2017	6/30/2016	6/30/2015
Net Change in Cash & Equivalents	-196	807	537	-913	1,093	235	-21	157	264	67
Net Cash From Operating Activities	305	197	217	413	284	204	168	198	167	116
Net Cash From Continuing Operating Activities	305	197	217	413	284	204	168	198	167	116
Net Income / (Loss) Continuing Operations	450	307	241	216	183	155	152	135	119	83
Consolidated Net Income / (Loss)	450	307	241	216	183	155	152	135	119	83
Provision For Loan Losses	33	24	24	24	42	43	26	11	9.70	11
Depreciation Expense	27	23	25	24	24	16	8.57	6.09	4.80	3.27
Amortization Expense	-58	-1.62	3.93	4.75	-24	-30	-30	-7.42	-4.25	-5.54
Non-Cash Adjustments to Reconcile Net Income	-24	-12	26	40	4.66	16	30	49	43	38
Changes in Operating Assets and Liabilities, net	-122	-144	-103	104	54	4.13	-19	4.66	-5.45	-14
Net Cash From Investing Activities	-2,589	-2,399	-2,783	-867	-1,348	-932	-1,026	-789	-1,538	-1,374
Net Cash From Continuing Investing Activities	-2,589	-2,399	-2,783	-867	-1,348	-932	-1,026	-789	-1,538	-1,374
Purchase of Investment Securities	-2,741	-2,587	-3,084	-277	-545	-442	-146	-709	-500	-108
Sale and/or Maturity of Investments	152	188	301	5,171	5,771	6,282	5,086	3,989	2,545	1,977
Net Cash From Financing Activities	2,087	3,010	3,103	-459	2,157	962	837	747	1,634	1,325
Net Cash From Continuing Financing Activities	2,087	3,010	3,103	-459	2,157	962	837	747	1,634	1,325
Net Change in Deposits	2,236	3,177	3,131	-521	2,354	998	1,086	855	1,592	1,410
Issuance of Debt	0.00	0.00	39	175	-9.05	7.40	-173	0.00	60	734
Repayment of Debt	-36	-112	-52	-80	-140	23	-30	-102	-35	-901
Repurchase of Common Equity	-96	-49	0.00	-17	-39	-56	-35	0.00	0.00	-
Other Financing Activities, Net	-16	-6.14	-14	-11	-7.46	-9.92	-9.95	-6.10	-3.46	6.31
Cash Interest Paid	699	368	50	78	145	153	106	74	56	46
Cash Income Taxes Paid	201	131	100	93	80	64	80	102	89	68

This table details how cash moves in and out of Axos Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-416	-130	618	-160	582	-650	32	-122	552	254	123
Net Cash From Operating Activities	74	163	71	44	115	119	34	77	-58	106	71
Net Cash From Continuing Operating Activities	74	163	71	44	115	119	34	77	-58	106	71
Net Income / (Loss) Continuing Operations	105	105	112	105	111	152	83	87	80	82	58
Consolidated Net Income / (Loss)	105	105	112	105	111	152	83	87	80	82	58
Provision For Loan Losses	15	12	14	6.00	6.00	14	7.00	7.00	5.50	3.00	8.75
Depreciation Expense	6.85	7.03	7.45	7.50	7.22	6.49	5.88	5.67	5.67	5.96	6.09
Amortization Expense	-24	-21	-37	-20	-26	-8.91	-3.10	-0.99	-1.15	-0.18	0.71
Non-Cash Adjustments to Reconcile Net Income	9.24	-14	14	59	-30	-72	20	-18	-13	23	-4.34
Changes in Operating Assets and Liabilities, net	-38	74	-40	-114	47	28	-78	-3.40	-134	-7.50	1.20
Net Cash From Investing Activities	-678	-269	-46	-434	-419	-1,236	-506	-591	-397	-261	-1,150
Net Cash From Continuing Investing Activities	-678	-269	-46	-434	-419	-1,236	-506	-591	-397	-261	-1,150
Purchase of Investment Securities	-704	-509	-97	-1,865	-8.44	-1,244	-509	-2,422	-70	-27	-68
Sale and/or Maturity of Investments	27	240	52	-6,609	2,330	8.65	2.23	-4,404	1,409	1,779	1,404
Net Cash From Financing Activities	188	-24	593	230	887	467	504	392	1,006	409	1,203
Net Cash From Continuing Financing Activities	188	-24	593	230	887	467	504	392	1,006	409	1,203
Net Change in Deposits	202	-38	614	256	900	638	443	384	1,048	514	1,230
Issuance of Debt	19	45	0.00	27	-6.00	-107	86	112	-	-92	-20
Repurchase of Common Equity	-26	-	0.00	-13	-0.60	-64	-18	-17	-32	-	0.00
Other Financing Activities, Net	-6.33	-0.29	-9.48	-7.81	-2.13	-0.17	-6.08	-2.56	-0.66	-0.04	-2.89
Cash Interest Paid	157	175	192	197	179	171	152	140	106	79	42
Cash Income Taxes Paid	52	49	40	57	60	32	53	23	35	36	37

This table presents Axos Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	6/30/2024	6/30/2023	6/30/2022	6/30/2021	6/30/2020	6/30/2019	6/30/2018	6/30/2017	6/30/2016	6/30/2015
Total Assets	22,855	20,348	17,401	14,266	13,852	11,220	9,540	8,502	7,599	5,824
Cash and Due from Banks	1,980	2,233	1,203	716	1,756	511	623	628	487	223
Restricted Cash	206	149	372	322	194	346	0.00	-	-	-
Trading Account Securities	209	367	603	808	410	372	180	273	472	397
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	16	24	16	42	97	9,420	8,470	7,400	6,409	5,032
Intangible Assets	142	152	156	116	125	135	68	0.00	-	-
Other Assets	20,302	17,423	15,051	12,261	11,269	436	199	169	217	164
Total Liabilities & Shareholders' Equity	22,855	20,348	17,401	14,266	13,852	11,220	9,540	8,502	7,599	5,824
Total Liabilities	20,565	18,431	15,758	12,865	12,621	10,147	8,579	7,667	6,916	5,290
Non-Interest Bearing Deposits	2,976	2,898	5,034	2,474	1,937	1,442	1,015	849	589	309
Interest Bearing Deposits	16,384	14,225	8,912	8,341	9,400	7,541	6,970	6,051	5,455	4,143
Short-Term Debt	301	445	512	535	348	239	0.00	20	35	35
Long-Term Debt	490	612	1,037	1,304	734	826	512	694	783	758
Other Long-Term Liabilities	415	251	263	210	203	100	82	52	52	44
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	2,291	1,917	1,643	1,401	1,231	1,073	961	834	684	534
Total Preferred & Common Equity	2,291	1,917	1,643	1,401	1,231	1,073	961	834	684	534
Total Common Equity	2,291	1,917	1,643	1,401	1,231	1,073	961	834	684	528
Common Stock	511	481	454	433	413	391	367	347	332	297
Retained Earnings	2,186	1,736	1,428	1,188	1,009	826	671	519	385	266
Treasury Stock	-403	-292	-237	-223	-195	-149	-82	-37	-31	-25
Accumulated Other Comprehensive Income / (Loss)	-2.47	-6.61	-2.93	2.51	-0.94	0.02	-0.61	0.49	-7.30	-9.40

This table presents Axos Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2025	Q2 2025	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023
Period end date	3/31/2025	12/31/2024	9/30/2024	3/31/2024	12/31/2023	9/30/2023	3/31/2023	12/31/2022	9/30/2022
Total Assets	23,981	23,709	23,569	22,642	21,624	20,825	19,782	18,741	18,407
Cash and Due from Banks	2,001	2,438	2,571	2,130	1,569	2,162	2,324	1,756	1,369
Restricted Cash	256	235	233	216	195	252	180	197	329
Trading Account Securities	172	213	223	314	385	97	367	307	345
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	16	25	15	16	13	8.01	8.22	4.75	20
Intangible Assets	136	138	139	144	147	150	155	158	160
Other Assets	21,400	20,660	20,389	19,822	19,314	18,157	16,748	16,319	16,183
Total Liabilities & Shareholders' Equity	23,981	23,709	23,569	22,642	21,624	20,825	19,782	18,741	18,407
Total Liabilities	21,377	21,187	21,163	20,446	19,546	18,849	17,938	16,953	16,706
Non-Interest Bearing Deposits	2,970	2,990	3,056	2,759	2,834	2,875	3,173	3,442	4,627
Interest Bearing Deposits	17,167	16,945	16,918	16,345	15,370	14,690	13,566	12,248	10,550
Short-Term Debt	314	310	316	387	369	342	406	421	501
Long-Term Debt	549	554	499	540	587	654	539	590	745
Other Long-Term Liabilities	378	389	375	415	386	287	254	252	284
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	2,604	2,522	2,406	2,196	2,078	1,976	1,844	1,788	1,701
Total Preferred & Common Equity	2,604	2,522	2,406	2,196	2,078	1,976	1,844	1,788	1,701
Total Common Equity	2,604	2,522	2,406	2,196	2,078	1,976	1,844	1,788	1,701
Common Stock	541	530	522	503	494	487	474	466	460
Retained Earnings	2,508	2,403	2,298	2,081	1,970	1,818	1,648	1,568	1,487
Treasury Stock	-446	-413	-413	-385	-382	-323	-272	-240	-240
Accumulated Other Comprehensive Income / (Loss)	1.11	3.01	-0.77	-3.06	-3.92	-6.39	-5.57	-6.95	-5.77

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	6/30/2024	6/30/2023	6/30/2022	6/30/2021	6/30/2020	6/30/2019	6/30/2018	6/30/2017	6/30/2016	6/30/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	31.04%	25.41%	11.88%	10.92%	18.16%	11.82%	15.23%	16.50%	42.61%	43.86%
EBITDA Growth	33.25%	23.07%	10.12%	27.41%	31.94%	-8.89%	-5.57%	12.62%	48.24%	60.86%
EBIT Growth	47.19%	27.00%	11.19%	16.42%	23.41%	-11.22%	3.01%	13.57%	45.46%	49.42%
NOPAT Growth	46.50%	27.60%	11.59%	17.59%	18.25%	1.78%	13.11%	12.95%	44.28%	47.76%
Net Income Growth	46.50%	27.60%	11.59%	17.59%	18.25%	1.78%	13.11%	12.95%	44.28%	47.76%
EPS Growth	51.08%	27.71%	11.52%	19.46%	20.16%	4.64%	12.86%	12.30%	39.55%	39.58%
Operating Cash Flow Growth	55.30%	-9.19%	-47.50%	45.22%	38.99%	21.74%	-15.41%	18.93%	43.76%	444.59%
Free Cash Flow Firm Growth	-34.69%	81.46%	140.62%	-8,798.59%	101.60%	-322.76%	161.37%	257.52%	-164.00%	128.87%
Invested Capital Growth	3.61%	-6.82%	-1.49%	40.11%	8.20%	45.20%	-4.95%	3.14%	13.19%	-0.32%
Revenue Q/Q Growth	4.82%	5.11%	4.96%	1.98%	4.00%	4.16%	2.80%	1.57%	6.71%	9.73%
EBITDA Q/Q Growth	1.66%	8.74%	1.93%	1.38%	6.62%	4.19%	-0.48%	0.76%	5.12%	13.71%
EBIT Q/Q Growth	4.50%	8.90%	1.91%	2.49%	5.04%	2.34%	-2.21%	2.01%	4.79%	11.67%
NOPAT Q/Q Growth	4.05%	10.61%	1.54%	4.33%	2.61%	2.32%	3.09%	2.14%	4.68%	11.29%
Net Income Q/Q Growth	4.05%	10.61%	1.54%	4.33%	2.61%	2.32%	3.09%	2.14%	4.68%	11.29%
EPS Q/Q Growth	4.36%	10.22%	2.06%	4.09%	3.11%	2.90%	2.60%	2.44%	112.50%	2,133.33%
Operating Cash Flow Q/Q Growth	-9.93%	-26.16%	27.92%	10.06%	-5.22%	16.05%	15.41%	-15.57%	34.38%	172.83%
Free Cash Flow Firm Q/Q Growth	249.77%	120.89%	-91.12%	-85.01%	107.95%	-953.15%	320.94%	175.29%	84.94%	277.83%
Invested Capital Q/Q Growth	-1.35%	6.64%	0.00%	7.38%	-4.67%	-0.32%	-24.28%	-16.32%	-6.29%	18.54%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	51.03%	50.19%	51.14%	51.96%	45.23%	40.51%	49.72%	60.67%	62.76%	60.38%
EBIT Margin	53.67%	47.78%	47.18%	47.48%	45.23%	43.31%	54.55%	61.02%	62.59%	61.37%
Profit (Net Income) Margin	38.00%	33.99%	33.41%	33.49%	31.59%	31.57%	34.68%	35.33%	36.44%	36.02%
Tax Burden Percent	70.81%	71.15%	70.81%	70.55%	69.85%	72.90%	63.58%	57.90%	58.22%	58.70%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	29.19%	28.85%	29.19%	29.45%	30.15%	27.10%	36.42%	42.10%	41.78%	41.30%
Return on Invested Capital (ROIC)	14.86%	9.96%	7.49%	7.77%	8.24%	8.60%	10.09%	8.83%	8.44%	6.22%
ROIC Less NNEP Spread (ROIC-NNEP)	14.86%	9.96%	7.49%	7.77%	8.24%	8.60%	10.09%	8.83%	8.44%	6.22%
Return on Net Nonoperating Assets (RNNOA)	6.53%	7.29%	8.33%	8.62%	7.68%	6.66%	6.89%	8.92%	11.17%	12.06%
Return on Equity (ROE)	21.39%	17.26%	15.82%	16.39%	15.92%	15.26%	16.98%	17.75%	19.60%	18.29%
Cash Return on Invested Capital (CROIC)	11.32%	17.02%	8.99%	-25.64%	0.37%	-28.27%	15.17%	5.75%	-3.93%	6.54%
Operating Return on Assets (OROA)	2.94%	2.29%	2.15%	2.17%	2.10%	2.05%	2.66%	2.89%	3.05%	2.75%
Return on Assets (ROA)	2.08%	1.63%	1.52%	1.53%	1.46%	1.49%	1.69%	1.67%	1.78%	1.62%
Return on Common Equity (ROCE)	21.39%	17.26%	15.82%	16.39%	15.92%	15.26%	16.98%	17.75%	19.52%	18.08%
Return on Equity Simple (ROE_SIMPLE)	19.65%	16.02%	14.65%	15.40%	14.90%	14.46%	15.87%	16.15%	17.45%	15.50%
Net Operating Profit after Tax (NOPAT)	450	307	241	216	183	155	152	135	119	83
NOPAT Margin	38.00%	33.99%	33.41%	33.49%	31.59%	31.57%	34.68%	35.33%	36.44%	36.02%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	32.07%	35.15%	33.99%	34.30%	34.72%	35.59%	31.85%	28.88%	26.95%	25.97%
Operating Expenses to Revenue	43.59%	49.54%	49.52%	48.84%	47.50%	51.12%	39.58%	36.08%	34.45%	33.75%
Earnings before Interest and Taxes (EBIT)	635	432	340	306	263	213	240	233	205	141
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	604	454	368	335	263	199	218	231	205	139
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.42	1.22	1.30	1.96	1.07	1.56	2.66	1.80	1.63	3.07
Price to Tangible Book Value (P/TBV)	1.52	1.32	1.44	2.14	1.19	1.78	2.87	1.80	1.63	3.07
Price to Revenue (P/Rev)	2.75	2.58	2.97	4.27	2.27	3.40	5.82	3.94	3.41	7.07
Price to Earnings (P/E)	7.23	7.59	8.89	12.75	7.19	10.79	16.82	11.19	9.39	19.70
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	13.82%	13.18%	11.25%	7.84%	13.90%	9.27%	5.94%	8.94%	10.65%	5.08%
Enterprise Value to Invested Capital (EV/IC)	0.60	0.34	0.66	1.10	0.19	0.88	1.66	1.02	0.96	1.66
Enterprise Value to Revenue (EV/Rev)	1.57	1.11	2.93	5.51	0.77	3.82	5.57	4.13	4.42	9.58
Enterprise Value to EBITDA (EV/EBITDA)	3.08	2.22	5.73	10.61	1.71	9.43	11.20	6.81	7.05	15.86
Enterprise Value to EBIT (EV/EBIT)	2.93	2.33	6.22	11.61	1.71	8.82	10.21	6.77	7.07	15.61
Enterprise Value to NOPAT (EV/NOPAT)	4.14	3.28	8.78	16.46	2.45	12.10	16.06	11.69	12.14	26.59
Enterprise Value to Operating Cash Flow (EV/OCF)	6.09	5.12	9.75	8.60	1.58	9.18	14.58	7.93	8.68	18.93
Enterprise Value to Free Cash Flow (EV/FCFF)	5.43	1.92	7.31	0.00	54.81	0.00	10.69	17.97	0.00	25.29
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.35	0.55	0.94	1.31	0.88	0.99	0.53	0.86	1.20	1.49
Long-Term Debt to Equity	0.21	0.32	0.63	0.93	0.60	0.77	0.53	0.83	1.15	1.42
Financial Leverage	0.44	0.73	1.11	1.11	0.93	0.78	0.68	1.01	1.32	1.94
Leverage Ratio	10.27	10.60	10.40	10.68	10.88	10.21	10.05	10.61	11.03	11.31
Compound Leverage Factor	10.27	10.60	10.40	10.68	10.88	10.21	10.05	10.61	11.03	11.31
Debt to Total Capital	25.67%	35.54%	48.52%	56.76%	46.78%	49.80%	34.75%	46.13%	54.48%	59.78%
Short-Term Debt to Total Capital	9.77%	14.98%	16.03%	16.52%	15.03%	11.16%	0.00%	1.29%	2.33%	2.64%
Long-Term Debt to Total Capital	15.90%	20.56%	32.49%	40.24%	31.75%	38.63%	34.75%	44.84%	52.15%	57.15%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.38%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	74.33%	64.46%	51.48%	43.24%	53.22%	50.20%	65.25%	53.87%	45.52%	39.83%
Debt to EBITDA	1.31	2.33	4.20	5.50	4.12	5.35	2.34	3.09	3.98	5.72
Net Debt to EBITDA	-2.31	-2.92	-0.07	2.40	-3.31	1.04	-0.51	0.31	1.61	4.11
Long-Term Debt to EBITDA	0.81	1.35	2.81	3.90	2.80	4.15	2.34	3.00	3.81	5.47
Debt to NOPAT	1.76	3.44	6.43	8.53	5.90	6.86	3.36	5.30	6.86	9.59
Net Debt to NOPAT	-3.10	-4.31	-0.11	3.72	-4.74	1.33	-0.73	0.53	2.78	6.90
Long-Term Debt to NOPAT	1.09	1.99	4.31	6.04	4.00	5.32	3.36	5.15	6.56	9.17
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.42%	1.12%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	343	525	289	-712	8.18	-510	229	88	-56	87
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.49	1.40	5.50	-9.00	0.06	-3.26	2.15	1.18	-0.98	1.91
Operating Cash Flow to Interest Expense	0.44	0.53	4.12	5.21	1.96	1.31	1.58	2.68	2.94	2.56
Operating Cash Flow Less CapEx to Interest Expense	0.44	0.53	4.12	5.21	1.96	1.31	1.58	2.68	2.94	2.56
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	24.88	29.04	30.09
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,082	2,974	3,192	3,240	2,313	2,137	1,472	1,549	1,502	1,327
Invested Capital Turnover	0.39	0.29	0.22	0.23	0.26	0.27	0.29	0.25	0.23	0.17
Increase / (Decrease) in Invested Capital	107	-218	-48	928	175	665	-77	47	175	-4.25
Enterprise Value (EV)	1,861	1,006	2,113	3,550	449	1,877	2,448	1,575	1,448	2,198
Market Capitalization	3,256	2,331	2,139	2,748	1,317	1,670	2,559	1,504	1,117	1,623
Book Value per Share	$40.21	$32.43	$27.54	$23.65	$20.63	$17.51	$15.36	$13.16	$10.84	$34.42
Tangible Book Value per Share	$37.72	$29.86	$24.92	$21.69	$18.53	$15.31	$14.27	$13.16	$10.84	$34.42
Total Capital	3,082	2,974	3,192	3,240	2,313	2,137	1,472	1,549	1,502	1,327
Total Debt	791	1,057	1,549	1,839	1,082	1,064	512	714	818	793
Total Long-Term Debt	490	612	1,037	1,304	734	826	512	694	783	758
Net Debt	-1,395	-1,325	-26	801	-869	207	-111	71	331	570
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	791	1,057	1,549	1,839	1,082	1,064	512	714	818	793
Total Depreciation and Amortization (D&A)	-31	22	29	29	-0.01	-14	-21	-1.32	0.55	-2.27
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$7.82	$5.15	$4.04	$3.64	$3.01	$2.50	$2.41	$2.07	$1.85	$5.39
Adjusted Weighted Average Basic Shares Outstanding	56.89M	59.98M	59.97M	59.36M	59.51M	61.24M	62.78M	63.61M	63.27M	15.64M
Adjusted Diluted Earnings per Share	$7.66	$5.07	$3.97	$3.56	$2.98	$2.48	$2.37	$2.07	$1.85	$5.37
Adjusted Weighted Average Diluted Shares Outstanding	56.89M	59.98M	59.97M	59.36M	59.51M	61.24M	62.78M	63.61M	63.27M	15.64M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	56.89M	59.98M	59.97M	59.36M	59.51M	61.24M	62.78M	63.61M	63.27M	15.64M
Normalized Net Operating Profit after Tax (NOPAT)	450	307	241	216	183	155	152	135	119	83
Normalized NOPAT Margin	38.00%	33.99%	33.41%	33.49%	31.59%	31.57%	34.68%	35.33%	36.44%	36.02%
Pre Tax Income Margin	53.67%	47.78%	47.18%	47.48%	45.23%	43.31%	54.55%	61.02%	62.59%	61.37%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.92	1.15	6.47	3.86	1.81	1.36	2.25	3.14	3.61	3.10
NOPAT to Interest Expense	0.65	0.82	4.58	2.73	1.26	0.99	1.43	1.82	2.10	1.82
EBIT Less CapEx to Interest Expense	0.92	1.15	6.47	3.86	1.81	1.36	2.25	3.14	3.61	3.10
NOPAT Less CapEx to Interest Expense	0.65	0.82	4.58	2.73	1.26	0.99	1.43	1.82	2.10	1.82
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.05%	0.21%	0.15%	0.20%	0.23%	0.26%	0.37%
Augmented Payout Ratio	21.40%	15.94%	0.00%	7.82%	21.39%	36.53%	23.29%	0.23%	0.26%	0.37%

This table displays calculated financial ratios and metrics derived from Axos Financial's official financial filings.

Metric	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	4.77%	-12.71%	30.53%	23.03%	27.48%	54.55%	18.29%	22.83%	29.68%	29.42%	19.81%
EBITDA Growth	-4.63%	-36.74%	6.91%	8.10%	14.81%	74.79%	34.90%	43.85%	26.23%	29.94%	-1.36%
EBIT Growth	-4.80%	-30.85%	34.73%	23.41%	35.63%	85.47%	42.62%	43.18%	31.83%	35.76%	-2.43%
NOPAT Growth	-4.98%	-31.02%	35.93%	20.05%	38.66%	86.10%	41.50%	50.88%	29.16%	34.16%	-2.99%
Net Income Growth	-4.98%	-31.02%	35.93%	20.05%	38.66%	86.10%	41.50%	50.88%	29.16%	34.16%	-2.99%
EPS Growth	-5.24%	-31.30%	39.86%	22.38%	44.70%	94.07%	42.27%	48.96%	29.41%	35.00%	-2.02%
Operating Cash Flow Growth	-36.36%	37.08%	107.06%	-43.50%	298.20%	11.57%	-51.73%	-47.36%	-140.73%	87.50%	154.83%
Free Cash Flow Firm Growth	-6.33%	-196.59%	-338.98%	-100.81%	91.74%	96.93%	-74.40%	186.72%	-187.99%	-197.49%	151.58%
Invested Capital Growth	10.99%	11.60%	8.37%	3.61%	11.99%	8.40%	0.87%	-6.82%	0.00%	0.00%	-5.29%
Revenue Q/Q Growth	0.31%	-3.98%	10.22%	-1.30%	-16.43%	43.59%	3.89%	2.26%	1.31%	9.90%	7.88%
EBITDA Q/Q Growth	-4.03%	5.19%	-1.71%	-3.89%	-36.34%	77.77%	-0.61%	2.08%	-3.08%	37.19%	5.98%
EBIT Q/Q Growth	-1.50%	-5.57%	10.25%	-7.17%	-28.45%	83.99%	0.99%	2.02%	-2.16%	41.48%	1.38%
NOPAT Q/Q Growth	0.50%	-6.81%	7.12%	-5.28%	-27.05%	83.64%	-5.39%	9.40%	-2.09%	39.63%	0.88%
Net Income Q/Q Growth	0.50%	-6.81%	7.12%	-5.28%	-27.05%	83.64%	-5.39%	9.40%	-2.09%	39.63%	0.88%
EPS Q/Q Growth	0.56%	-6.74%	10.29%	-8.38%	-27.10%	89.86%	-3.50%	8.33%	-2.22%	39.18%	1.04%
Operating Cash Flow Q/Q Growth	-54.66%	129.57%	61.74%	-61.81%	1.23%	246.76%	-55.86%	233.94%	-154.42%	50.03%	-51.87%
Free Cash Flow Firm Q/Q Growth	3.71%	-81.08%	-5,447.68%	98.90%	-168.59%	-245.91%	-81.27%	111.25%	0.29%	-1,318.05%	109.78%
Invested Capital Q/Q Growth	2.40%	5.10%	4.53%	-1.35%	2.97%	2.07%	-0.07%	6.64%	-0.34%	-5.03%	-7.68%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	42.26%	44.17%	40.32%	45.21%	46.43%	60.95%	49.23%	51.46%	51.55%	53.89%	43.17%
EBIT Margin	47.95%	48.82%	49.65%	49.63%	52.77%	61.63%	48.10%	49.48%	49.60%	51.35%	39.89%
Profit (Net Income) Margin	34.07%	34.00%	35.03%	36.05%	37.56%	43.03%	33.64%	36.94%	34.53%	35.73%	28.12%
Tax Burden Percent	71.05%	69.64%	70.57%	72.63%	71.18%	69.81%	69.95%	74.66%	69.63%	69.58%	70.50%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	28.95%	30.36%	29.43%	27.37%	28.82%	30.19%	30.05%	25.34%	30.37%	30.42%	29.50%
Return on Invested Capital (ROIC)	12.70%	12.86%	14.24%	14.10%	14.35%	15.73%	10.70%	10.83%	21.29%	20.60%	7.01%
ROIC Less NNEP Spread (ROIC-NNEP)	12.70%	12.86%	14.24%	14.10%	14.35%	15.73%	10.70%	10.83%	21.29%	20.60%	7.01%
Return on Net Nonoperating Assets (RNNOA)	4.74%	5.09%	5.89%	6.19%	6.65%	8.00%	6.53%	7.93%	10.91%	11.65%	5.91%
Return on Equity (ROE)	17.43%	17.95%	20.13%	20.29%	21.00%	23.73%	17.23%	18.75%	32.20%	32.25%	12.92%
Cash Return on Invested Capital (CROIC)	2.55%	2.52%	7.46%	11.32%	3.31%	5.71%	10.33%	17.02%	-180.09%	-181.44%	13.32%
Operating Return on Assets (OROA)	2.53%	2.62%	2.82%	2.72%	2.81%	3.26%	2.31%	2.37%	2.16%	2.21%	1.75%
Return on Assets (ROA)	1.79%	1.82%	1.99%	1.98%	2.00%	2.27%	1.61%	1.77%	1.50%	1.54%	1.23%
Return on Common Equity (ROCE)	17.43%	17.95%	20.13%	20.29%	21.00%	23.73%	17.23%	18.75%	32.20%	32.25%	12.92%
Return on Equity Simple (ROE_SIMPLE)	16.40%	17.15%	19.94%	0.00%	19.69%	19.33%	16.77%	0.00%	15.06%	14.53%	14.05%
Net Operating Profit after Tax (NOPAT)	105	105	112	105	111	152	83	87	80	82	58
NOPAT Margin	34.07%	34.00%	35.03%	36.05%	37.56%	43.03%	33.64%	36.94%	34.53%	35.73%	28.12%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	36.44%	35.29%	34.88%	35.21%	33.99%	25.80%	35.05%	34.99%	36.55%	34.58%	34.40%
Operating Expenses to Revenue	47.36%	47.20%	45.99%	48.31%	45.20%	34.54%	49.05%	47.56%	48.02%	47.33%	55.90%
Earnings before Interest and Taxes (EBIT)	148	150	159	144	156	217	118	117	115	117	83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	131	136	129	132	137	215	121	122	119	123	90
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.41	1.58	1.49	1.42	1.40	1.52	1.15	1.22	1.20	1.28	1.21
Price to Tangible Book Value (P/TBV)	1.49	1.67	1.58	1.52	1.50	1.63	1.24	1.32	1.31	1.41	1.33
Price to Revenue (P/Rev)	3.00	3.28	2.84	2.75	2.72	2.96	2.41	2.58	2.58	2.84	2.72
Price to Earnings (P/E)	8.63	9.22	7.46	7.23	7.11	7.85	6.85	7.59	7.98	8.83	8.59
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	11.59%	10.85%	13.41%	13.82%	14.07%	12.74%	14.59%	13.18%	12.54%	11.32%	11.64%
Enterprise Value to Invested Capital (EV/IC)	0.66	0.64	0.49	0.60	0.53	0.77	0.29	0.34	0.24	0.48	0.54
Enterprise Value to Revenue (EV/Rev)	1.86	1.79	1.26	1.57	1.47	2.20	0.91	1.11	0.76	1.68	2.12
Enterprise Value to EBITDA (EV/EBITDA)	4.34	4.08	2.59	3.08	2.79	4.06	1.76	2.22	1.57	3.46	4.41
Enterprise Value to EBIT (EV/EBIT)	3.80	3.57	2.35	2.93	2.72	4.13	1.83	2.33	1.65	3.67	4.74
Enterprise Value to NOPAT (EV/NOPAT)	5.36	5.03	3.31	4.14	3.83	5.84	2.58	3.28	2.36	5.21	6.70
Enterprise Value to Operating Cash Flow (EV/OCF)	6.66	5.64	4.65	6.09	4.88	13.60	5.33	5.12	2.46	2.90	3.84
Enterprise Value to Free Cash Flow (EV/FCFF)	27.27	26.96	6.88	5.43	16.91	14.08	2.79	1.92	0.00	0.00	3.97
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.33	0.34	0.34	0.35	0.42	0.46	0.50	0.55	0.51	0.57	0.73
Long-Term Debt to Equity	0.21	0.22	0.21	0.21	0.25	0.28	0.33	0.32	0.29	0.33	0.44
Financial Leverage	0.37	0.40	0.41	0.44	0.46	0.51	0.61	0.73	0.51	0.57	0.84
Leverage Ratio	9.71	9.85	10.13	10.27	10.50	10.44	10.67	10.60	10.73	10.48	10.49
Compound Leverage Factor	9.71	9.85	10.13	10.27	10.50	10.44	10.67	10.60	10.73	10.48	10.49
Debt to Total Capital	24.89%	25.51%	25.31%	25.67%	29.69%	31.50%	33.51%	35.54%	33.88%	36.13%	42.28%
Short-Term Debt to Total Capital	9.07%	9.14%	9.81%	9.77%	12.40%	12.16%	11.50%	14.98%	14.56%	15.04%	16.99%
Long-Term Debt to Total Capital	15.82%	16.36%	15.50%	15.90%	17.29%	19.34%	22.01%	20.56%	19.32%	21.09%	25.29%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	75.11%	74.49%	74.69%	74.33%	70.31%	68.50%	66.49%	64.46%	66.12%	63.87%	57.72%
Debt to EBITDA	1.64	1.62	1.33	1.31	1.56	1.66	2.05	2.33	2.27	2.58	3.44
Net Debt to EBITDA	-2.65	-3.39	-3.25	-2.31	-2.39	-1.40	-2.92	-2.92	-3.74	-2.41	-1.25
Long-Term Debt to EBITDA	1.04	1.04	0.82	0.81	0.91	1.02	1.35	1.35	1.29	1.51	2.06
Debt to NOPAT	2.02	2.00	1.70	1.76	2.14	2.38	3.01	3.44	3.40	3.89	5.21
Net Debt to NOPAT	-3.27	-4.18	-4.15	-3.10	-3.28	-2.01	-4.28	-4.31	-5.61	-3.63	-1.89
Long-Term Debt to NOPAT	1.28	1.28	1.04	1.09	1.25	1.46	1.97	1.99	1.94	2.27	3.12
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-238	-247	-136	-2.46	-224	-83	57	305	-2,709	-2,717	223
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-1.51	-1.40	-0.71	-0.01	-1.23	-0.50	0.37	2.14	-25.00	-34.10	5.15
Operating Cash Flow to Interest Expense	0.47	0.92	0.37	0.23	0.63	0.71	0.22	0.54	-0.53	1.33	1.64
Operating Cash Flow Less CapEx to Interest Expense	0.47	0.92	0.37	0.23	0.63	0.71	0.22	0.54	-0.53	1.33	1.64
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.06	0.05	0.05	0.05	0.05	0.05	0.04	0.04	0.04
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,467	3,386	3,221	3,082	3,124	3,034	2,972	2,974	2,789	2,799	2,947
Invested Capital Turnover	0.37	0.38	0.41	0.39	0.38	0.37	0.32	0.29	0.62	0.58	0.25
Increase / (Decrease) in Invested Capital	343	352	249	107	335	235	26	-218	2,789	2,799	-165
Enterprise Value (EV)	2,289	2,178	1,589	1,861	1,656	2,344	853	1,006	656	1,352	1,601
Market Capitalization	3,684	3,988	3,578	3,256	3,075	3,152	2,271	2,331	2,215	2,293	2,053
Book Value per Share	$45.60	$44.17	$42.28	$40.21	$38.60	$36.00	$32.95	$32.43	$30.73	$29.79	$28.36
Tangible Book Value per Share	$43.22	$41.76	$39.84	$37.72	$36.06	$33.46	$30.45	$29.86	$28.15	$27.17	$25.69
Total Capital	3,467	3,386	3,221	3,082	3,124	3,034	2,972	2,974	2,789	2,799	2,947
Total Debt	863	864	815	791	927	955	996	1,057	945	1,011	1,246
Total Long-Term Debt	549	554	499	490	540	587	654	612	539	590	745
Net Debt	-1,395	-1,810	-1,988	-1,395	-1,419	-808	-1,418	-1,325	-1,559	-941	-452
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	863	864	815	791	927	955	996	1,057	945	1,011	1,246
Total Depreciation and Amortization (D&A)	-18	-14	-30	-13	-19	-2.42	2.78	4.67	4.52	5.78	6.80
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.84	$1.83	$1.97	$1.83	$1.94	$2.65	$1.40	$1.48	$1.33	$1.36	$0.98
Adjusted Weighted Average Basic Shares Outstanding	56.37M	57.10M	57.09M	56.89M	56.97M	56.90M	57.73M	59.98M	59.11M	60.00M	60.00M
Adjusted Diluted Earnings per Share	$1.81	$1.80	$1.93	$1.75	$1.91	$2.62	$1.38	$1.43	$1.32	$1.35	$0.97
Adjusted Weighted Average Diluted Shares Outstanding	56.37M	57.10M	57.09M	56.89M	56.97M	56.90M	57.73M	59.98M	59.11M	60.00M	60.00M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	56.37M	57.10M	57.09M	56.89M	56.97M	56.90M	57.73M	59.98M	59.11M	60.00M	60.00M
Normalized Net Operating Profit after Tax (NOPAT)	105	105	112	105	111	152	83	87	80	82	58
Normalized NOPAT Margin	34.07%	34.00%	35.03%	36.05%	37.56%	43.03%	33.64%	36.94%	34.53%	35.73%	28.12%
Pre Tax Income Margin	47.95%	48.82%	49.65%	49.63%	52.77%	61.63%	48.10%	49.48%	49.60%	51.35%	39.89%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.94	0.85	0.83	0.75	0.85	1.31	0.77	0.82	1.06	1.47	1.91
NOPAT to Interest Expense	0.67	0.59	0.58	0.54	0.61	0.91	0.54	0.61	0.74	1.02	1.35
EBIT Less CapEx to Interest Expense	0.94	0.85	0.83	0.75	0.85	1.31	0.77	0.82	1.06	1.47	1.91
NOPAT Less CapEx to Interest Expense	0.67	0.59	0.58	0.54	0.61	0.91	0.54	0.61	0.74	1.02	1.35
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	9.13%	3.17%	16.22%	21.40%	23.25%	32.75%	20.35%	15.94%	11.38%	0.00%	0.00%

Frequently Asked Questions About Axos Financial's Financials

When does Axos Financial's financial year end?

According to the most recent income statement we have on file, Axos Financial's fiscal year ends in June. Their fiscal year 2024 ended on June 30, 2024.

How has Axos Financial's net income changed over the last 9 years?

Axos Financial's net income appears to be on an upward trend, with a most recent value of $450.01 million in 2024, rising from $82.68 million in 2015. The previous period was $307.17 million in 2023. See where experts think Axos Financial is headed by visiting Axos Financial's forecast page.

How has Axos Financial revenue changed over the last 9 years?

Over the last 9 years, Axos Financial's total revenue changed from $229.54 million in 2015 to $1.18 billion in 2024, a change of 415.9%.

How much debt does Axos Financial have?

Axos Financial's total liabilities were at $20.56 billion at the end of 2024, a 11.6% increase from 2023, and a 288.7% increase since 2015.

How much cash does Axos Financial have?

In the past 9 years, Axos Financial's cash and equivalents has ranged from $222.77 million in 2015 to $2.23 billion in 2023, and is currently $1.98 billion as of their latest financial filing in 2024.

How has Axos Financial's book value per share changed over the last 9 years?

Over the last 9 years, Axos Financial's book value per share changed from 34.42 in 2015 to 40.21 in 2024, a change of 16.8%.

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This page (NYSE:AX) was last updated on 5/30/2025 by MarketBeat.com Staff

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Axos Financial (AX) Financials

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